WO2007044596B1 - Systeme et procede de protection contre la fraude et l'usurpation d'identite - Google Patents

Systeme et procede de protection contre la fraude et l'usurpation d'identite

Info

Publication number
WO2007044596B1
WO2007044596B1 PCT/US2006/039277 US2006039277W WO2007044596B1 WO 2007044596 B1 WO2007044596 B1 WO 2007044596B1 US 2006039277 W US2006039277 W US 2006039277W WO 2007044596 B1 WO2007044596 B1 WO 2007044596B1
Authority
WO
WIPO (PCT)
Prior art keywords
merchant
subscribing member
anonymous
identity information
personal identity
Prior art date
Application number
PCT/US2006/039277
Other languages
English (en)
Other versions
WO2007044596A3 (fr
WO2007044596A2 (fr
Inventor
Steven I Bachenheimer
Original Assignee
Kemesa Llc
Steven I Bachenheimer
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Kemesa Llc, Steven I Bachenheimer filed Critical Kemesa Llc
Priority to JP2008534743A priority Critical patent/JP2009512024A/ja
Priority to EP06836223A priority patent/EP1934925A4/fr
Priority to US12/083,147 priority patent/US8719106B2/en
Priority to CA002624313A priority patent/CA2624313A1/fr
Publication of WO2007044596A2 publication Critical patent/WO2007044596A2/fr
Priority to IL190507A priority patent/IL190507A0/en
Publication of WO2007044596A3 publication Critical patent/WO2007044596A3/fr
Publication of WO2007044596B1 publication Critical patent/WO2007044596B1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Economics (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Storage Device Security (AREA)

Abstract

L'invention concerne un système et un procédé permettant d'éviter l'usurpation d'identité lors d'achats en ligne et hors ligne, dans lesquels un acheteur doit s'inscrire et devenir membre en s'enregistrant, en fournissant des renseignements pertinents sur son identité et en définissant des informations d'authentification multifactorielles bidirectionnelles à des fins de sécurité. Le membre qui s'inscrit fournit des renseignements pertinents à une ou plusieurs sources de financement (des comptes de carte de crédit, des comptes bancaires, par exemple) qui seront utilisées pour financer des achats ultérieurs. Un fois enregistré, le membre se voit attribuer un nom d'utilisateur et un mot de passe. Les renseignements personnels sur l'identité du membre sont ensuite codées et stockées à un ou plusieurs emplacements hautement sécurisés. Le système de protection de données personnelles obtient une carte d'utilisation contrôlée (CUC) émise par un fournisseur de cartes d'utilisation contrôlées au nom du membre, à utiliser lors d'un achat. La carte d'utilisation contrôlée est anonyme par rapport à l'identité de l'utilisateur (du membre) et peut être une carte à usage unique spécifique à un achat ou une carte à usages multiples sans lien direct avec un compte financier. La carte d'utilisation contrôlée est financée par la source de financement sélectionnée par le membre. Lorsque le membre fait un achat sécurisé, le commerçant reçoit des renseignements anonymes (c'est-à-dire des renseignements ne comportant pas le nom réel du membre, son adresse électronique, des données de facturation, etc.), excepté dans le cas où les données personnelles du membre sont requises (dans le cas de billets d'avion, par exemple). Le commerçant obtient une approbation de crédit et transmet les informations d'expédition à un expéditeur qui obtient indépendamment le nom et l'adresse d'expédition corrects par le biais du système de protection de données personnelles, avant l'envoi du ou des produits vers la destination sélectionnée par le membre.
PCT/US2006/039277 2005-10-07 2006-10-06 Systeme et procede de protection contre la fraude et l'usurpation d'identite WO2007044596A2 (fr)

Priority Applications (5)

Application Number Priority Date Filing Date Title
JP2008534743A JP2009512024A (ja) 2005-10-07 2006-10-06 識別情報の盗難および不正使用を防止し、これを保護するシステムおよび方法
EP06836223A EP1934925A4 (fr) 2005-10-07 2006-10-06 Systeme et procede de protection contre la fraude et l'usurpation d'identite
US12/083,147 US8719106B2 (en) 2005-10-07 2006-10-06 Identity theft and fraud protection system and method
CA002624313A CA2624313A1 (fr) 2005-10-07 2006-10-06 Systeme et procede de protection contre la fraude et l'usurpation d'identite
IL190507A IL190507A0 (en) 2005-10-07 2008-03-30 Identity theft and fraud protection system and method

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US11/245,502 2005-10-07
US11/245,502 US8396747B2 (en) 2005-10-07 2005-10-07 Identity theft and fraud protection system and method

Publications (3)

Publication Number Publication Date
WO2007044596A2 WO2007044596A2 (fr) 2007-04-19
WO2007044596A3 WO2007044596A3 (fr) 2008-06-12
WO2007044596B1 true WO2007044596B1 (fr) 2008-07-24

Family

ID=37911980

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2006/039277 WO2007044596A2 (fr) 2005-10-07 2006-10-06 Systeme et procede de protection contre la fraude et l'usurpation d'identite

Country Status (7)

Country Link
US (1) US8396747B2 (fr)
EP (1) EP1934925A4 (fr)
JP (1) JP2009512024A (fr)
KR (1) KR20080067641A (fr)
CA (1) CA2624313A1 (fr)
IL (1) IL190507A0 (fr)
WO (1) WO2007044596A2 (fr)

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IL190507A0 (en) 2008-11-03
EP1934925A2 (fr) 2008-06-25
US8396747B2 (en) 2013-03-12
KR20080067641A (ko) 2008-07-21
EP1934925A4 (fr) 2011-04-13
US20070083460A1 (en) 2007-04-12
JP2009512024A (ja) 2009-03-19
CA2624313A1 (fr) 2007-04-19
WO2007044596A3 (fr) 2008-06-12
WO2007044596A2 (fr) 2007-04-19

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